These Terms of Service ("Terms") govern your use of Bank2XL ("the Service"), including the Chrome extension, web application, and API at bank2xl.app. By using the Service you agree to these Terms.
Bank2XL is a software tool that uses AI (large language models) to read PDF bank statements and produce structured Excel, CSV, QBO, OFX, QFX, and JSON outputs. The tool is intended for personal bookkeeping, expense categorization, accounting prep, and similar use cases.
You agree to verify the output against the source PDF before using it for any purpose that has financial, tax, legal, or audit consequences. The Service provides a "Validation" sheet in every Excel export showing balance reconciliation status - use it.
Bank2XL is not a substitute for professional bookkeeping, accounting, or tax advice.
You may use the Service for personal, business, or commercial purposes, provided you:
We reserve the right to suspend or terminate accounts that violate these rules. We may rate-limit or block traffic that we believe constitutes abuse.
The Service is currently provided free of charge during a public beta. Each user is allowed up to 10 statement conversions per 24-hour period, counted per IP address and per extension install. We may adjust this limit, pause the beta, or end it at any time.
We expect to introduce paid plans after the beta. Pricing and limits will be published on bank2xl.app at least 30 days before billing begins, and existing beta users will receive advance notice. No payment information is collected during the beta.
Heavy automated use exceeding the daily quota may be throttled or blocked. Attempts to bypass the limit (e.g. by rotating IPs or installs) may result in suspension.
You retain all ownership of the PDF files you upload and the spreadsheet outputs generated. We do not claim any rights to your data. We process it only to provide the Service to you, as described in the Privacy Policy.
The Bank2XL software, extension, prompts, code, branding, and documentation are owned by us and licensed to you only for use of the Service. You may not copy, redistribute, or create derivative works of the Service itself without written permission.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BANK2XL AND ITS OPERATOR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE.
OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR USD $50, WHICHEVER IS GREATER.
This limitation does not apply to liability that cannot be excluded under applicable law (e.g., for gross negligence or willful misconduct in jurisdictions where such limitations are not permitted).
You agree to indemnify and hold us harmless from any claims arising from (a) your violation of these Terms, (b) your violation of any third-party rights, or (c) your use of the Service in connection with any unlawful activity.
During the public beta there are no accounts to cancel — uninstalling the Chrome extension removes the local installation identifier and we have nothing tied to it on our side. We may suspend or block clients that violate these Terms (typically by IP or per-install rate limit), with notice where reasonable. Uploaded statement files are by default held in our 24h debug vault and then auto-deleted; to request immediate deletion of specific files before that window elapses, email privacy@bank2xl.app with the job ID. Once paid plans launch we’ll publish an account-termination workflow here.
These Terms are governed by the laws of Montenegro, without regard to its conflict-of-laws principles. Disputes will be resolved by binding arbitration or in the courts of Podgorica, Montenegro, except where you have a non-waivable right under your local consumer law.
If you are a consumer in the EU, UK, or US, your local consumer protection laws may give you additional rights that override these terms in your favor; nothing here limits those rights.
We may update these Terms. Material changes will be announced via email and via a banner on the landing page. Continued use of the Service after a change means you accept the updated Terms. If you don't agree, stop using the Service before the changes take effect.
Bank2XL
Email: support@bank2xl.app
Legal: legal@bank2xl.app
Operator: Dmitry Ivanov, Montenegro